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Invoicing
Look like a pro
Payments
Get paid faster
Accounting
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Banking
Banking with built-in bookkeeping
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Features
Invoicing
Payments
Mobile receipts
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Banking
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ACCEPT CREDIT CARD AND DIGITAL PAYMENTS FROM
YOUR INVOICES

Wave makes getting paid fast (we're talking 1 to 2 days-fast1), frictionless,
and fun.

Get started with payments


SEE MONEY IN YOUR BANK ACCOUNT FASTER THAN EVER

Improve your cash flow

Faster payments mean better cash flow. Accept all major credit cards so your
customers can pay your invoices online, instantly.

Get paid faster

Get paid in 1 to 2 days1, enhance your brand, and look professional when you
enable online payments. With a Pro Plan subscription, get $0 transaction fees on
your first 10 transactions each month.

Automatic credit card payments

Get paid every month without lifting a finger. Pro Plan subscribers can
customize invoice schedules for recurring customers and charge clients’ cards
automatically.

Safe and secure card payments

Feel confident knowing your business and customer data are protected by 
the
highest level of certified bank-grade security practices.




SEE MONEY IN YOUR BANK ACCOUNT FASTER THAN EVER

Improve your cash flow

Faster payments mean better cash flow. Accept all major credit cards so your
customers can pay your invoices online, instantly.

Get paid faster

Get paid in 1 to 2 days1, enhance your brand, and look professional when you
enable Wave Payments. Accept most credit card payments for 2.9% + 60¢ per
transaction, or 3.4% + 60¢ per AMEX transaction.

Automatic credit card payments

Get paid every month without lifting a finger. Customize invoice schedules for
recurring customers and charge your clients’ cards automatically.

Safe and secure card payments

Feel confident knowing your business and customer data are protected by 
the
highest level of certified bank-grade security practices.




HOW ACCEPTING CARDS AND DIGITAL PAYMENTS WORKS


1. SEND YOUR INVOICES

Email invoices with a secure “Pay Now” button after you’ve enabled the online
payments option.


2. GET PAID ONLINE

Customers can pay instantly by credit card or Apple Pay when they view the
invoice online.


3. MONEY IS DEPOSITED

You’ll receive the money in your account in 1 business day (Canada), or 2
business days (US)1.


PRICED RIGHT FOR SMALL BUSINESSES

Create beautiful invoices, accept online payments, and make accounting easy—all
in one place—with Wave’s suite of money tools.

Credit Cards
2.9% + $0.60
per transaction

3.4% + $0.60
per AMEX transaction
 * Get paid out in 1 to 2 business days1
 * Customers pay by any major credit card right from your invoice
 * Accept digital wallet payments through Apple Pay


PLANS TO MAKE
YOUR PLANS HAPPEN.

Save $20
Save $22
Monthly

Annual
starter
Plan

Just starting your business or looking for the basics? This is the place.

$0
Get started now

 * Create unlimited estimates, invoices, bills, and bookkeeping records

 * Option to accept online payments at 1% per bank payment (ACH/EFT); Credit
   cards starting at 2.9% + $0.60 per transaction2.

 * Invoice on-the-go via the Wave app

 * Manage cash flow and customers in one dashboard

pro
Plan
Recommended

Want to look more polished, save more time, and conquer cash flow? It’s Pro
time.

$16/month
$20CAD/month

Billed monthly

Get started now
Everything in Starter, plus….

 * Option to accept online payments at 1% per bank payment (ACH/EFT); Credit
   cards starting at 2.9% + $0 for the first 10 transactions of every month*.

 * Auto-import bank transactions

 * Auto-merge and categorize bank transactions

 * Digitally capture unlimited receipts and track expenses

 * Automate late payment reminders

 * And more!

starter
Plan

Just starting your business or looking for the basics? This is the place.

$0
Get started now

 * Create unlimited estimates, invoices, bills, and bookkeeping records

 * Option to accept online payments at 1% per bank payment (ACH/EFT); Credit
   cards starting at 2.9% + $0.60 per transaction2.

 * Invoice on-the-go via the Wave app

 * Manage cash flow and customers in one dashboard

pro
Plan
Recommended

Want to look more polished, save more time, and conquer cash flow? It’s Pro
time.

$220CAD/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….

 * Option to accept online payments at 1% per bank payment (ACH/EFT); Credit
   cards starting at 2.9% + $0 for the first 10 transactions of every month*.

 * Auto-import bank transactions

 * Auto-merge and categorize bank transactions

 * Digitally capture unlimited receipts and track expenses

 * Automate late payment reminders

 * And more!

Most of my clients pay with credit cards using the secure link on the invoice.
That is a massive time saver and helps me get paid faster!

Estelle Tracy - 37 Chocolates


SPEED UP YOUR CASH FLOW.

Start now


EVEN MORE WAYS TO GET PAID: BANK PAYMENTS

Make it easier for your customers to pay you right from their bank account. It’s
included for you in Wave Payments.

Learn more about bank payments


1 Payouts are processed in 1-2 business days for credit card payments and 1-7
business days for bank payments. Deposit times may vary due to processing cutoff
times, third party delays, or risk reviews.

2Rates are 1% for bank payments (minimum fee of $1). For information on credit
card rates, visit Pricing for details.
‍

*Active subscription required. While subscribed to Wave’s Pro Plan, get 2.9% +
$0 (Visa, Mastercard, Discover) and 3.4% + $0 (Amex) per transaction for the
first 10 transactions each month. Over 10 transactions per month at 2.9% + $0.60
(Visa, Mastercard, Discover) and 3.4% + $0.60 (Amex) per transaction. Discover
processing is only available to US customers.

‍

A few notes about accepting online payments through Wave: 

Approval is subject to eligibility criteria, including identity verification and
credit review. Payments are a pay-per-use feature; no monthly fees here! Your
deposit times may vary based on your financial institution. All payments are
subject to a risk review and periodic credit risk assessments are done on
business owners because we need to cover our butts (and yours). In some cases,
we may hold funds and request more information if we need it for the protection
of your business and Wave's. 

‍

Instant Payout is an additional service offered by Wave subject to user and
payment eligibility criteria. A 1% fee is applied to the amount you withdraw
from your available balance, in addition to regular processing fees. The minimum
withdrawal amount is $25. Deposits are sent to the debit card linked to your
account in up to 30 minutes. Deposit times may vary due to processing cutoff
times or third party delays.


EVEN MORE WAYS TO GET PAID: BANK PAYMENTS

Make it easier for your customers to pay you right from their bank account. It’s
included for you in Wave Payments.

Learn more about bank payments


1 Payouts are processed in 1-2 business days for credit card payments and 1-7
business days for bank payments. Deposit times may vary due to processing cutoff
times, third party delays, or risk reviews.

‍

A few notes about accepting online payments through Wave: 

Approval is subject to eligibility criteria, including identity verification and
credit review. Payments are a pay-per-use feature; no monthly fees here! Your
deposit times may vary based on your financial institution. All payments are
subject to a risk review and periodic credit risk assessments are done on
business owners because we need to cover our butts (and yours). In some cases,
we may hold funds and request more information if we need it for the protection
of your business and Wave's. 

‍

Instant Payout is an additional service offered by Wave subject to user and
payment eligibility criteria. A 1% fee is applied to the amount you withdraw
from your available balance, in addition to regular processing fees. The minimum
withdrawal amount is $25. Deposits are sent to the debit card linked to your
account in up to 30 minutes. Deposit times may vary due to processing cutoff
times or third party delays.


FREQUENTLY ASKED QUESTIONS

Expand allCollapse all

Is your software actually free?



Our accounting and invoicing features are currently free. There are no trials,
subscriptions, or hidden fees.

Wave's optional paid features include online payment processing, payroll
software, and access to personalized bookkeeping services and coaching through
Wave Advisors. If you're interested in using payroll software, you can start a
free 30-day trial when you sign up for Wave.

What’s the catch—how does Wave make money?



Wave makes money through our optional, paid money management features include
online payment processing, payroll software, and access to personalized
bookkeeping services and coaching through Wave Advisors. These features help
keep our invoicing, and accounting, free.

‍

If you're interested in our payroll software, you can start a free 30-day trial
when you sign up for Wave.

‍

Is Wave's software something I need to install?



Wave's tools are web-based, so you just need an Internet connection and
browser—no installation is necessary for our online software!

‍

If you're looking for an on-the-go solution, you can install our mobile app to
help you manage invoices and payments. Download our mobile app on iOS and
Android today!

Is my data secure when I use Wave?



Completely. Our servers are protected physically and electronically. Any
connections between you, your bank accounts, and Wave are protected by 256-bit
SSL encryption. Wave is a PCI-DSS Level 1 Service Provider.

Do you provide customer support?



We provide different levels of support for customers who use different features
and services from Wave. Full details on how Wave support works are available
here.

Is Wave's software something I need to install?



Wave's tools are web-based, so you just need an Internet connection and
browser—no installation is necessary for our online software!

‍

If you're looking for an on-the-go solution, you can install our mobile app to
help you manage invoices and payments. Download our mobile app on iOS and
Android today!

What if I just want to try Wave to see if it works for my business?



Sign up for the Starter Plan to take the bookkeeping and invoicing basics for a
spin. Then, whenever you’re ready, upgrade to the Pro Plan to unlock even more
money management features. Our plans are built for small business owners at
every stage!

Can I change plans easily?



You bet! To upgrade to the Pro Plan, sign into Wave. Visit your dashboard or use
your invoicing or accounting features, and click the “Upgrade now” button. Learn
more about changing subscription periods and plan types in our Help Center.

Is my data secure when I use Wave?



Completely. Our servers are protected physically and electronically. Any
connections between you, your bank accounts, and Wave are protected by 256-bit
SSL encryption. Wave is a PCI-DSS Level 1 Service Provider.

Do you provide customer support?



We provide different levels of support, depending on the plan and/or the add-on
features you choose. Learn more about how Wave support works here.

Is it easy to cancel for any reason after I subscribe?



Yes, you can unsubscribe at any time! The cancellation of your subscription will
take effect at the end of the billing period in which you cancel. Learn how to
cancel your subscription in our Help Center.

Get your money faster with online payments.
I love money

FEATURES

 * Accounting software
 * Invoicing software
 * Wave app
 * Mobile receipts
 * Payments
 * Payroll software
 * Wave Advisors
 * Pricing
 * Credit card payments
 * Bank payments
 * Recurring billing

WAVE

 * About Us
 * Careers
 * Press
 * Become an affiliate
 * Sitemap

HELPFUL LINKS

 * Blog
 * Help Center
 * Invoice templates
 * Accounting education center
 * Payroll education center
 * QuickBooks alternative
 * Freelance Hub
 * Small business study

SUPPORT & TOOLS

 * How support works
 * System status
 * Accounting calculators
 * Invoicing generators
 * Payroll calculators

Copyright © 2010-2024 Wave Financial Inc. All Rights Reserved.
 * Privacy Policy
 * Legal Disclosures
 * Security
 * Licensing
 * Accessibility
 * Social Media Disclaimer
 * Privacy Choices
 * Cookies Settings


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browser, mostly in the form of cookies. This information might be about you,
your preferences or your device and is mostly used to make the site work as you
expect it to. The information does not usually directly identify you, but it can
give you a more personalized web experience. Because we respect your right to
privacy, you can choose not to allow some types of cookies. Click on the
different category headings to find out more and change our default settings.
However, blocking some types of cookies may impact your experience of the site
and the services we are able to offer.
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Our company may use tracking technology, including cookies, for a variety of
purposes including to operate our website, to improve the performance of our
website, to monitor your interactions with our website, and to capture
analytics. These cookies are either controlled by us or controlled by one of our
service providers.

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By “allowing all” or turning this option on you are using our website to
interact with third parties and are directing us to deploy third party tracking
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